Existence and liquidity
What must continue if revenue or work capacity drops?
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Risk protection
What happens if something goes wrong tomorrow?
Risk protection does not start with a policy. It starts with the events that could truly affect your business, income or team.
Absence
People and operations
Liability
Clients and third parties
Liquidity
Gain time
When the key person suddenly cannot work.
In small companies, revenue, decisions and client relationships often depend on few people.
Impact
Income, replacement and ongoing obligations become relevant immediately.
Immediately
Who steps in? How long do reserves last? What is privately protected?
Afterwards
Review sickness benefit, accident, pension and liquidity planning together.
Risk simulator
Choose a scenario and see which questions become urgent.
Not a calculator and not an offer. A thinking tool that shows how risks connect.
01
Risks visible
Concrete, along your business model.
02
Priorities clear
What should be handled first and what can wait.
03
Cover structured
Existing solutions, gaps and overlaps in context.
Simplified orientation. Not individual legal, tax or insurance advice.
Risk areas
Risk protection connects operations, people and future.
Liability and contracts
Where do obligations arise towards clients, partners or third parties?
People and pensions
How are owners, employees and family protected during absence?
Data and operations
Which digital, technical or organizational risks slow the business?
Approach
Risk becomes clearer than a gut feeling.
01
Understand scenarios
We start with situations that could genuinely hurt the business.
02
Sort consequences
Financial, legal, personal and operational effects are separated and reconnected.
03
Put protection in order
Existing policies, open gaps and next steps are prioritized clearly.
FAQ
Short answers.
Is risk protection the same as SME insurance?
Not exactly. SME insurance is part of it. Risk protection also includes liquidity, absence, responsibility, pension planning and private consequences.
Who is this for?
For self-employed people, owners and companies that want to understand which events could really affect the business.
Do I need existing policies?
No. Fianza can review existing solutions or help make the most important risks visible first.
Want to know which risks really matter?
We review operations, people, obligations and existing solutions together.